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Annual Notice of Coverage Change (ANOC) Reminders

Medicare, Business, Individual / Rick Kent

Each fall, if you’re in a Medicare plan, your plan will send you a “Plan Annual Notice of Change” (ANOC). ANOC’s start arriving in September, so keep an eye out for yours in case your plan is changing. The ANOC includes any changes in coverage, costs, or service area that will be effective January 1. What […]

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Differences between HMO, PPO and POS Health Plans

Individual, Medicare / Rick Kent

There are so many plan options in the world of insurance, but one question that is often asked is, “What are the differences between HMO, PPO and POS health plans?” The way an HMO, or health maintenance organization plan, works is that you pick a primary care physician (PCP) who is in your plan’s network.

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Going Somewhere? Travel Insurance Tips

Tips and How Tos / Rick Kent

Enjoying the summer, and really the last four months, has been a feat. We’re all trying to navigate the world with restrictions while caring for the health of ourselves and others. One thing that hasn’t stopped is a need for travel, sometimes out of absolute necessity, or for work, and even vacationing continues for some.

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3 Things to do Before You Change Insurance

Tips and How Tos / Rick Kent

Many things can precipitate a change of insurance, losing benefits and having to get a new plan and even aging up and out of your parents plan and into your own, to name a few. Before you find yourself without your current plan, here are three things to do before you change insurance. These things

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How to Stay Active While Social Distancing

Tips and How Tos / Rick Kent

Physical activity and the benefits from it can be especially important during stressful times. Not only does it help your physical fitness, but it can boost your mood, reduce stress, and improve your sleep. It can also help you live a longer, healthier life. Here are some tips for staying active while social distancing. Go

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About CIS

Creative Insurance Solutions was founded in 2004 by Rick Kent with the mission to help older adults with Medicare insurance. Since then, the company has expanded to include assisting adults 18-64 with getting insurance through the Affordable Care Act. CIS also helps businesses find group health insurance solutions for their employees. Beginning in the 2024 open enrollment period, CIS will be helping Georgians navigate the new Georgia Access marketplace.

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Recent Posts

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  • Navigating Medicare as a Veteran: Avoiding Enrollment Penalties and Maximizing Benefits
  • The Essential Role of Health Insurance Brokers: Why You Should Have One
  • Finding the Best Health Insurance for Your Family in Georgia’s Marketplace

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We do not offer every plan available in your area. Currently we represent 5 Medicare organizations and offer every plan they make available in your county. Please contact medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

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